[nradov]

Healthcare cost sharing ministries can work for some consumers but there are loopholes which allow them to deny coverage for services that commercial insurers do cover. This can leave consumers with huge surprise bills.

https://www.nbcnews.com/health/health-care/health-care-cost-...

Commercial insurers are already required to rebate premiums if their medical loss ratio is below the limit.

https://www.cms.gov/marketplace/private-health-insurance/med...